airwalkrr
Adventurer
250 xp to get a ghaele cohort eh? I find that unlikely given that ghaeles were clearly not intended at PCs or playable characters due to their "--" entry for Level Adjustment. 
This brings up two issues that I am happy to address. First of all, cohorts must follow all the same rules as PCs, only they receive half the wealth for their level that a PC would receive. This means (among other things) that they cannot be monsters, they must be of the races listed in the PH. Second of all, regarding XP, you may go into "XP debt" for the purposes of crafting but your level will never be reduced as a result. Also, death causes XP debt equal to your level x 1,000 XP but not level loss. The only thing that can cause level loss is permanent negative levels.

This brings up two issues that I am happy to address. First of all, cohorts must follow all the same rules as PCs, only they receive half the wealth for their level that a PC would receive. This means (among other things) that they cannot be monsters, they must be of the races listed in the PH. Second of all, regarding XP, you may go into "XP debt" for the purposes of crafting but your level will never be reduced as a result. Also, death causes XP debt equal to your level x 1,000 XP but not level loss. The only thing that can cause level loss is permanent negative levels.